I still recommend using the highest fee for normal transfers, which is in line with the decentralized principle of Bitcoin and can quickly get block confirmation. Usually, you can successfully transfer money in less than a minute.
Those who suggest that we transfer money through private mining pools may be a conspiracy to steal our property.

I recommend you to not recommend idiotic ideas.
There were numerous tests about replacing TX's of keys up to 80 bits and they all succeeded. I even paid 500$ for the 80-bit test right on this thread.
RBF is useless. Bots will fight until the fee approaches the total amount.
Bots are online as we speak. A single one is enough to totally compromise the TX, what about when there are 10 of them? Or 100?
A 61 bits key can be broken in 2 seconds on a laptop CPU (attention: not GPU) with proper preparation.
Yes, it takes 3 seconds when using an RTX 4090, but that is when starting the cracking process from a clean slate. That's the "noob approach".
Puzzle 81 can also be cracked in a matter of seconds.
Shall I continue? With proper preparation, puzzle 101 can also be cracked in less than the average time of a mined block.
Shall I continue? Have you heard of GPU farms? They can be automated to wake up and solve even higher-bit puzzles as well, as long as the cost to do it is less than the expected reward.